Muhammad Haris Saputra, Kurnia Permana, and Try Syeftiani. “Reconceptualizing Financial Management in the Age of FinTech 4.0: Efficiency, Inclusion, and Financial Resilience”. International Journal of Business and Quality Research, Vol. 3, no. 04, Dec. 2025, pp. 449-64, doi:10.63922/ijbqr.v3i04.2844.